Ha... Took a while!
David...! Wow.. Never saw your questions... We bought at the beginning for around 14k for the 2 Br LO and have used it every single year. MF around $1200 and it comes with a 4 door Jeep included for the week. (This alone would be 400-600 for the rental/year)
We love being in town because we enjoy the restaurants and nightlife in Cruz Bay... We drive to all the beaches anyway, so this was a no-brainier as far as location goes. We stay in the front buildings because we also enjoy having happy hour on the balcony while we watch the sunset and the charter boats coming in before heading down to the happy hours in town...
Also, we have upgraded to a three bedroom before and just paid the difference in MF cost as a benefit of GBR owners...
We never plan on trading and have dropped II from our membership. I actually searched the forum looking for Resales
All in all, we have gotten great value out of it and still beleive, especially with the rental car (and free transport to and from the resort. Even though it's a short walk, we wouldn't drag our stuff from ferry to resort...) We still beleive our break even is between 7-9 years based on what we'd have spent out of pocket... For rent room (300/night for a front two br with pull out couch), plus 10% tax, plus a rental car ($500 average)... It puts us squarely in 7-9 years to be even Steven.